Grand vs Experian: which fits modern credit risk?
Whether you're scaling credit operations or tightening risk controls, find out why credit teams are choosing Grand over Experian Business for continuous, AI-explained intelligence.
How Grand compares to Experian
Everything you'd expect plus deep corporate structure, full director history and behaviour, and business momentum signals across finance, operations, commerce, digital and social analysis.
Extensive UK B2B dataset with strong filings and trade-payment data, but limited director-behaviour and momentum layers outside enterprise tiers.
Every assessment ships with plain-English reasoning, source-cited evidence, and confidence labels per output — buyers see exactly which filings, signals and events drove the assessment, and how confident Grand is in each one.
Commercial Delphi score with limited customer-facing reasoning.
60-second profile refresh, plus daily early-signal alerts that catch profile changes before they hit Companies House.
Daily to multi-day batch refresh on monitored accounts. No early-signal feed for data outside of Companies-House, Gazette and Courts.
Report bad profiles to the Grand network so others monitoring the same business get alerted. Step-up requests for financial, commerce and declarative data when the signal decisioning isn't strong enough — Grand verifies what's returned before it lands in the file.
Data-provider model — no buyer network for bad-profile reporting, and no declarative step-up workflow per profile.
KYB, director ID verification, beneficial-ownership discovery, sanctions and PEP screening, adverse media, approval workflows — bundled free with every paid Grand plan.
Sold as separate Experian products (KYB, Anti-Money Laundering, Sanctions screening) on top of base credit reporting.
Ask any question of a profile and get an analyst-style answer with the affected blocks, suggested next questions, and a recommended action. Grand AI never invents facts and never makes the credit decision — it interprets data and helps humans decide.
AI features largely enterprise-tier. No conversational analyst layer for buyers to query a profile and get bounded answers.
60-second signup. Full product available with no sales call. Upgrades and downgrades self-managed inside the app.
Sales-led onboarding. Limited self-serve subscription beyond Experian's small-business credit check page.
Published online: Pay as you go is free, Core £49/mo, Team £169/mo, Growth £699/mo, Scale £2,329/mo.
Quote-based, annual contracts standard. No published price points for new buyers.
Based on publicly available information from each provider's documentation and pricing pages, last verified June 2026. UK company data sourced via Companies House.
Experian is one of the deepest UK B2B credit datasets and a strong choice for enterprise teams already on annual contracts. Grand is built differently — richer signal layers (network, momentum, director behaviour) verified at source, AI that explains every assessment, and onboarding and compliance bundled in. If you need broad multi-country credit bureau coverage today, Experian still wins on scale. If you want continuous portfolio intelligence built on data the bureaus don't capture, plus AI you can interrogate, Grand is the modern alternative.
Get started for freeRicher signals than the bureaus
Deep corporate structure, full director history and behaviour, plus momentum signals across finance, operations, commerce, digital and social — all verified at source and refreshed every 60 seconds.
AI that explains every decision
Grand AI turns filings, financials, director history, and risk signals into plain-English narratives — with confidence labels and the option to step up to declarative data when signals are thin.
Onboarding & compliance, included
KYB, director verification, beneficial ownership, sanctions and PEP screening, adverse media, and approval workflows are bundled with every paid Grand plan — not sold as a separate module.
Switching from Experian
Common questions about moving from Experian
Run credit the smart way, on every UK company you touch.
Business credit checks, company risk assessments, onboarding, monitoring, and portfolio intelligence for every UK company.
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